What are the 49 Endorsements?
- These title insurance endorsements allow new and existing homeowners to add coverage that offers post-policy protection against forgery of a deed or mortgage.
- With this coverage, title insurers will cover potential legal costs to correct the public record if forged deeds or mortgages are recorded against a homeowner’s property.
- This provides homeowners with the reliability of a regulated insurance product to protect themselves and their most important investment.
Featured Resources
Webinar
Understanding ALTA’s Revised Endorsements
ALTA published several new and revised endorsements, including ALTA 49 and 49.1 that were designed to allow homeowners to add coverage offering post-policy protection against forgery of a deed or mortgage. This webinar discusses the 49 series as well as a new endorsement for solar equipment on residential transactions (ALTA 50) and revisions to the ALTA 9, 9.7, 9.10, and 36.6 endorsements to align to the 2021 ALTA Policy Form standards.
Resources & Tools
Why You Should Get the ALTA 49 Endorsement
Use this flyer to explain the ALTA 49 and ALTA 49.1 Endorsements in clear, consumer-friendly language. It helps title agents show how these endorsements add protection against seller impersonation, forged deeds and forged mortgages. ALTA members can custoize this file with their company logo and contact information in ALTAPrints.
6 Talking Points for Title Agents on the ALTA 49 Endorsements
Use these talking points to help title agents explain how ALTA 49 Endorsements protect homeowners from future deed or mortgage forgery. The guide offers simple messaging to address consumer concerns, explain the value of coverage and support informed conversations about this growing fraud risk. ALTA members can custoize this file with their company logo and contact information in ALTAPrints.
ALTA 49 Endorsement – Forgery – New Owner’s Policy
The ALTA 49 Endorsement provides post-policy coverage for forgery of deeds and mortgages for homeowners who are purchasing an ALTA Owner’s Policy, useful when the ALTA Homeowner’s Policy is unavailable.
ALTA 49.1 Endorsement – Forgery – Existing Residential Owner’s Title Policy
The ALTA 49.1 Endorsement offers future coverage for forgery of deeds and mortgages for homeowners that previously purchased an ALTA Owner’s Policy.
News & Insights
ALTA Releases New Resources to Help Members Discuss 49 Endorsements and Fraud Protection
As awareness of seller impersonation fraud and deed theft continues to grow, ALTA has released two new resources designed to help members educate employees and consumers about the benefits of the ALTA 49 and 49.1 Endorsements. The resources may be branded and customized for use by ALTA members. Read on.